PackageTrendsPeer
Letter portraitLegal landscape

Proctor Employees

Peoria, IL · Charter 65531

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Proctor Employees

Peoria, IL · Charter 65531

Q4 2000

$1.2MAssets
$832KLoans
$988KShares
$233KNet Worth

Executive Summary

  • Earnings: ROA of -0.23%, down 347 bps year over year; NIM at 6.33%.
  • Asset quality: problem loans at 2.72% of loans (-5 bps YoY).
  • Capital: net worth / assets of 18.78%.
  • Funding: loans stand at 84.16% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-0.23%-347 bps YoY

Net Interest Margin (YTD, annualized)

6.33%

Efficiency Ratio (YTD, annualized)

94.80%

Net Worth / Assets

18.78%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.16%3.74%3.74%3.24%2.69%-0.44%-0.45%-0.23%-347 bps
Return on Equityn/an/an/an/an/an/an/a-1.21%n/an/a
Net Interest Marginn/an/an/an/an/a6.38%5.06%6.33%n/a
Efficiency Ration/an/an/an/an/a92.28%105.47%94.80%n/a
Growth
Asset Growth (YoY)-4.91%1.46%-10.22%-5.12%6.36%-3.61%11.84%2.16%+728 bps
Loan Growth (YoY)-6.71%4.89%-2.50%-16.23%-1.81%-7.86%-10.59%-0.25%+1,598 bps
Share Growth (YoY)-9.18%-1.70%-14.81%-9.31%-3.66%-5.45%15.29%2.36%+1,167 bps
Asset Quality
Delinquent Loans / Loans0.06%0.73%1.47%2.77%1.25%1.57%0.51%2.72%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.03%0.56%0.11%0.75%0.47%1.67%1.98%2.01%+127 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a18.78%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a18.78%n/an/a
Liquidity & Funding
Loans / Shares95.31%94.43%91.76%86.36%97.14%92.02%71.16%84.16%-220 bps
Liquid Assets / Assets19.65%19.19%22.67%26.69%20.26%23.02%24.61%15.15%-1,153 bps